JSSB Executive Team

Richard Grafmyre

Richard Grafmyre, CFP®

CEO - JSSB & PWB

Education & Accreditations
  • BS, Business Administration, Empire State College
  • Master’s Degree, Financial Planning, College of Financial Planning in Denver, CO
  • Certified Financial Planner
  • Series 7 license
Experience

With over 42 years of banking experience, Dick is the former President and CEO of FNB Bank NA in Danville, PA.  He also directed Swineford National Bank and the State College, PA region of Fulton Bank. 

Community & Professional Service

Active in the local community, Dick is a member of the boards of Geisinger Health System Foundation, and the Geisinger Health System Advisory Council.

Karen Young

Karen Young

President - JSSB

MLO NMLS #1478156

 


Education & Accreditations

  • Bald Eagle Area High School
  • Graduate School of Banking at the University of Wisconsin

Experience

Karen has 33 years of banking and leadership experience, holding positions of Branch Manager at Keystone Financial, Regional Manager at Northern State Bank, and Business Banking Relationship Manager at M&T Bank.

Community & Professional Service

Investing in her community, Karen is currently a member of the Lycoming Leadership Selection Committee; a Trustee of the YWCA; on the Board of Directors for the Williamsport/Lycoming Chamber of Commerce; and a Volunteer at Our Lady Of Lourdes Church in Montoursville. Karen previously volunteered her time and perspective on the Lycoming Leadership Board of Trustees; as a Co-Treasurer and member of the Board of Directors for the YWCA; as President of the Montoursville Youth Football League; and Treasurer of the Montoursville Booster Club. Karen was also recognized as a 2015 Women of Excellence award winner.

            

   


Gerald Seman

Gerald J. Seman

President  - JSSB Mortgage Service

MLO NMLS #493614

Education & Accreditations
  • Business Administration -  Luzerne County Community College
  • Central Atlantic Advanced School of Banking – PBA Bucknell, Lewisburg
  • Graduate - Dale Carnegie
Experience

Jerry has over 30 years of experience in mortgage banking specializing in secondary market production and sales. His primary responsibilities include managing the Mortgage Division’s strategic growth initiatives and planning throughout Pennsylvania and secondary market investor relations.

Community & Professional Service

Jerry is a 1998 graduate of Leadership Lycoming, a training program designed by the Williamsport/Lycoming Chamber of Commerce to educate and motivate leaders on the needs of their community. Jerry also holds various capacities with the following organizations.

  • Lender Advisory Member – PA Housing Finance Agency
  • Member – Regional Housing Advisory Committee (RHAC)
  • Committee Chair – PBA Mortgage Banking Advisory
  • Member – PBA Professional Development Policy Committee
  • Affiliate Member – West Branch Assoc. Realtors & Greater Wilkes Barre Assoc. Realtors
  • Advisory Member – Lycoming Neighborhood Development Corporation
  • Board Member – Housing Coalition of Lycoming County
Krista Gephart

Krista Gephart

Regional President - JSSB

MLO NMLS #705879

Education & Accreditations
  • High School Diploma, Loyalsock Township High School
  • Bachelors Degree, Lycoming College
  • Certificate in Business and Commercial Lending, American Bankers Association
Experience

Krista has 17 years of banking and leadership experience holding positions of Lead Teller at Mellon Bank, Operations Supervisor/Lender at Northwest Savings Bank, AVP Branch Manager II at Sovereign Bank, and AVP Branch Manager II as well as Vice President Regional Manager at JSSB. Krista has also worked as the Credit and Accounts Receivable Coordinator at Brodart.  

Community & Professional Service

Investing in her community, Krista is currently  the Assistant Treasurer of the Jersey Shore Water Authority Board; Vice Chairman on the Jersey Shore Area Chamber of Commerce; and an active Volunteer with the American Red Cross.

 

Craig Russell

Craig Russell

Regional President - JSSB

MLO NMLS #493613

Experience

An eighteen year JSSB employee, Craig is the Regional President of the Western Region of JSSB, which serves Western Lycoming County, Clinton and Centre Counties.  He oversees the operation of all JSSB offices within his market areas as well as direct business development.

Community & Professional Service

Active in the community Russell is a Board Member of the Clinton County Community Dental Clinic, Lock Haven Elks, Citizens Hose Company, Economic Partnership Finance Committee and the Belles Springs Golf Committee.  He is also a Member of the Finance Committee at his church and the Lock Haven Area YMCA.

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Garrett Sanner

Regional President - JSSB

MLO NMLS #522797

Education & Accreditations
  • Bachelors Degree, Frostburg State University
  • Series 6 & 63 Licensed
  • Life & Health Insurance Licensed
  • Graduate - Leadership Lycoming

Experience

Garrett has over 15 years of banking and leadership experience holding positions of Mortgage Loan Officer at Allied Home Mortgage, Mortgage Loan Officer at Corestar Financial Group, Relationship Banker II, Assistant Branch Manager and Assistant Vice President, Branch Manager at M&T Bank as well as Vice President, Regional Manager at JSSB. 

Community & Professional Service

Active in the community, Sanner is a Board Member & Assistant Treasurer for the Salvation Army, Advisory Council Board Member for Diakon Family Life Services, Keystone Committee Member for Susquehanna Health Foundation, Small Business Cabinet Head for United Way of Lycoming County and a member of the Finance Committee for Greenview Alliance Church.

A complete list of Mortgage Loan Officers and their MLO numbers are available by calling 570.320.2010 or by visiting your local branch.